Question 1

What is DisburseCloud?

Accepted Answer

DisburseCloud is our outbound payment platform, built to help organizations send payments quickly, securely, and at scale. We also offer Tranzpay, our inbound payment platform, allowing you to accept payments efficiently. Together, DisburseCloud and Tranzpay provide a complete solution through one company for managing both outgoing and incoming payments.

Question 2

What makes DisburseCloud different from traditional payment systems?

Accepted Answer

DisburseCloud replaces slow, manual workflows with a modern, fully managed solution: • Multiple payment methods in one place • Instant and same-day payment options • Real-time tracking and reporting • Live system updates via webhooks • Inbound (Tranzpay) + outbound (DisburseCloud) through one company • Dedicated support that manages payments on your behalf   You don’t just get software — you get a partner that executes the payment process for you.

Question 3

Do you support inbound payments as well?

Accepted Answer

Yes. Our Tranzpay platform enables you to:   • Process credit card and ACH payments • Improve payer experience • Simplify reconciliation  You can manage both sides of the payment lifecycle through one company.

Question 4

Who is DisburseCloud built for?

Accepted Answer

We work with organizations that move money at scale: Insurance carriers  • MGAs & TPAs • Claims organizations • Enterprises with high-volume disbursements

Question 5

How quickly can payments be delivered?

Accepted Answer

We offer flexible delivery speeds:  • Instant Deposit: minutes • PayPal / Venmo: near-instant • ACH: 1–3 business days • Digital Check: same-day delivery • Postal Check: standard mail timelines • Cash Pickup (Walmart, Dollar General): same-day availability • Virtual Debit Card: instant delivery with immediate wallet access

Question 6

Can we send payments the same day?

Accepted Answer

Yes. Many of our payment methods support same-day or instant delivery.

Question 7

How long does implementation take?

Accepted Answer

Most clients are live in days to a few weeks, depending on your setup. We support:  • Portal-based setup for quick launch • API integrations for automation • SFTP batch uploads for secure, high-volume processing  We support workflows including:  • Claims payments • Premium refunds • Vendor payments • Agency commissions • Multi-party payments

Question 8

Do you offer real-time system updates?

Accepted Answer

Yes. We send real-time webhooks so your system receives:  • Live payment status updates • Payment confirmations • Payment methods selected by the payee

Question 9

Do we need to change our bank or financial setup?

Accepted Answer

No. DisburseCloud works alongside your existing banking relationships.

Question 10

How does pricing work?

Accepted Answer

Our pricing is flexible based on:  • Payment volume • Payment methods • Business needs  We also provide flexible fee management options, allowing you to:  •Pass payment fees to the payee (most clients choose this, resulting in immediate cost savings) •Share the cost by contributing a percentage of the fee •Contribute a fixed dollar amount toward the fee

Question 11

How does DisburseCloud reduce costs?

Accepted Answer

We help reduce costs by:  • Eliminating manual workflows • Reducing check printing and mailing expenses • Minimizing errors and reissues • Improving reconciliation efficiency • Offsetting payment costs through flexible fee structures

Question 12

Is DisburseCloud secure?

Accepted Answer

Yes. We use enterprise-grade security:  • Encryption in transit and at rest • Secure data handling • Role-based access controls

Question 13

Are you SOC 2 compliant?

Accepted Answer

Yes. DisburseCloud is SOC 2 compliant.

Question 14

Do you support compliance requirements like OFAC and tax reporting?

Accepted Answer

Yes. We handle:  • OFAC checks • W-9 collection • 1099 processing for vendors

Question 15

What payment methods do you support?

Accepted Answer

We support:  • ACH • Instant Deposit • Digital Checks • Postal Checks • Virtual Cards • Virtual Debit Cards (Apple Wallet & Google Wallet compatible) • PayPal • Venmo • Cash Pickup (Walmart, Dollar General, and more)

Question 16

What are Virtual Debit Cards and how do they work?

Accepted Answer

Virtual Debit Cards are digitally issued cards that recipients can:  • Add instantly to Apple Wallet or Google Wallet • Use immediately for purchases or payments  This is a powerful option for underbanked individuals, giving them fast and easy access to funds without needing a traditional bank account.

Question 17

Can payees choose how they get paid?

Accepted Answer

Yes. Our payee choice model allows recipients to choose their preferred payment method.

Question 18

What are multi-party payments?

Accepted Answer

Multi-party payments allow you to send a single disbursement to multiple recipients automatically, simplifying complex payment scenarios.

Question 19

What types of multi-party payments do you support?

Accepted Answer

We support:  • Claims with multiple beneficiaries • Vendor and service provider payments • Agency commissions • Fee and reimbursement distributions

Question 20

Can each recipient approve or reject the payment?

Accepted Answer

Yes. Each recipient can Accept or Reject the disbursement. All parties must Accept before moving forward. Once accepted, recipients can then select their payment method.

Question 21

Can we send documents to payees as part of the payment process?

Accepted Answer

Yes. You can: Send documents through DisburseCloud Or send documents from your core system

Question 22

Can payees be required to approve documents before payment?

Accepted Answer

Yes. Payees can be required to review and accept documents before choosing their payment method.

Question 23

What happens after a document is accepted?

Accepted Answer

Once accepted:   The document is downloaded to the payee Stored within DisburseCloud A Certificate of Completion is generated

Question 24

How involved does our team need to be?

Accepted Answer

Very little. Once you provide:

Question 25

Who to pay and how much to pay

Accepted Answer

We handle:  • Payee communication • Payment selection • Payment delivery • Ongoing support

Question 26

Do you provide customer support to our payees?

Accepted Answer

Yes. We provide:  • Full customer service support • Help desk ticketing system • Phone and email support

Question 27

What kind of response times can we expect?

Accepted Answer

We quote up to 24 hours, but:  • Most responses are same-day • 93% are resolved within 90 minutes

Question 28

Do you offer priority support for adjusters?

Accepted Answer

Yes. We provide a dedicated Adjuster Hotline for priority support.

Question 29

Will we have a dedicated point of contact?

Accepted Answer

Yes. You will have a dedicated inside customer service liaison.

Question 30

Do you handle exceptions like returned checks and stop payments?

Accepted Answer

Yes. We manage:  • Returned checks • Stop payments • Reissues

Question 31

Do you support Positive Pay?

Accepted Answer

Yes. We support Positive Pay for fraud prevention and control.

Question 32

Can DisburseCloud handle high payment volumes?

Accepted Answer

Yes. We are built to scale with your business.

Question 33

What happens as we grow?

Accepted Answer

You can:  • Add payment methods • Expand workflows • Increase volume without changing infrastructure

Question 34

Why choose DisburseCloud?

Accepted Answer

Because we provide:  • Outbound + inbound solutions through one company • SOC 2 compliant security • Real-time integration via webhooks • Fully managed payment operations • Built-in compliance (OFAC, W-9, 1099s) • Flexible cost control with fee pass-through options • Inclusive payment options like Virtual Debit Cards for the underbanked • Dedicated support with fast response times  We don’t just process payments — we take the burden off your team and ensure everything runs smoothly from start to finish.

Customer Satisfaction

The Impact of Artificial Intelligence and Machine Learning on Insurance

Why Insureds switch companies after a claim